Get Better with Carol

26/05/2026

The standard advice is always "save 3 to 6 months of expenses." But let’s be completely honest—financial planning in the Philippines isn't one-size-fits-all.

An emergency fund for a single professional looks entirely different from the safety net required by an OFW family or a sole breadwinner supporting extended relatives. Risk isn't just about numbers; it's about context.

Swipe through to see where your household stands, and let’s start building a realistic buffer that actually gives you peace of mind.

Are you ready to build your UNBREAKABLE Financial Foundations?
Comment “READY!” and receive a link to my Financial Worksheets FOR FREE.

04/03/2026

Dami kong nakausap na empleyado, looking back, they realized that they are able to save more when they just started working vs now na tumaas na ang sahod nila.

Kapag nakaranas na nang pagtaas ng sahod, many are often trapped in buying things that signifies na nakakaluwag-luwag sa buhay — new shoes, new bag, coffee everyday, travel here and there until such time na nagkakaroon na pala ng unnecessary expenses at utang.

Tapos biglang may darating pa na auto-approved na credit card, at kaliwa’t kanang ads ng easy loan schemes.. na para bang we are set up na mabaon sa utang.

Kaya habang maaga, kailangang matuto tayo ng wastong financial planning. And that’s where I come in as a financial advisor! I can help you build good habits para maging solid foundation ng journey mo towards financial stability and freedom.

If you are ready to face reality head on, and take control of your finances, send me a message, I’ll help you get there!💪🏼

03/11/2024

01/11/2024

"𝙏𝙝𝙚𝙧𝙚 𝙖𝙧𝙚 𝙣𝙤 𝙜𝙤𝙤𝙙𝙗𝙮𝙚𝙨. 𝙒𝙝𝙚𝙧𝙚𝙫𝙚𝙧 𝙮𝙤𝙪 𝙖𝙧𝙚, 𝙮𝙤𝙪 𝙬𝙞𝙡𝙡 𝙖𝙡𝙬𝙖𝙮𝙨 𝙗𝙚 𝙞𝙣 𝙢𝙮 𝙝𝙚𝙖𝙧𝙩." – 𝘔𝘢𝘩𝘢𝘵𝘮𝘢 𝘎𝘢𝘯𝘥𝘩𝘪

29/10/2024

To all financial advisors, hold fast to our purpose, hold your head high, and keep going. Madami pa ang hindi nakaka-alam on how insurance works and how to take advantage of the available financial tools to plan for a better future. Sending love and light to all of you!🩵🩵🩵

Read more from his column on Philstar: https://www.philstar.com/opinion/2024/10/09/2391113/be-kind-agents

14/11/2023

Anong family goals nyo?
dream vacation, car, house and lot, your retirement fund, or your children’s education fund?

The best time to prepare for those is now and my job is to help you reach those goals!

Send me a message and let’s plan for a brighter future for you and your family!☀️

16/10/2023

Posted a year ago but will remain applicable to every iPhone iteration every year thereafter.
iPhone 15 Pro, guys? 🤓

The iPhone 14 Pro Max 1TB Storage @ P109,990. (below). Everyone and his cousin has an opinion about it and so I'm going to add my voice to the cacophony.

Should one buy or not? The quick answer? It depends on who is buying. The complete answer? It depends on what kind of money the buyer is using.

If you are using capital income to buy your iPhone, that transaction doesn't lower your net worth and comes practically at no cost to you. Free. Why? Because you are using money made by your money. HOW you make your money is the real measure of wealth.

If you are using labor income to buy it, I urge you to give it a second, even a third, think. More so if the money is yet to be earned by the labor you must expend to pay for it.

𝐓𝐡𝐞𝐫𝐞 𝐢𝐬 𝐧𝐨 𝐬𝐮𝐜𝐡 𝐭𝐡𝐢𝐧𝐠 𝐚𝐬 𝐚 𝐠𝐨𝐨𝐝 𝐨𝐫 𝐚 𝐛𝐚𝐝 𝐩𝐮𝐫𝐜𝐡𝐚𝐬𝐞. 𝐎𝐧𝐥𝐲 𝐭𝐡𝐞 𝐰𝐫𝐨𝐧𝐠 𝐨𝐫 𝐫𝐢𝐠𝐡𝐭 𝐛𝐮𝐲𝐞𝐫.

14/05/2023